So, if anyone is interested in getting themselves a Southwest “companion pass” that allows one companion to fly with you for free basically (only like $5.60 each way) though Feb 2026! …get a SW Visa through this link and spend $4k in the first 3 months. You’ll get 30K miles too…and I’ll get some as well for the referral.
I wouldn’t normally post something like this but I’ve never seen this deal before. Sometimes they offer the companion pass for a month or two but never seen a year (unless you earn it by flying 135K miles).
I used to use my debit card a lot but switched to CC’s so I could take advantage of points. I pay them off each month in full, on time, and never pay interest.
It’s actually quite easy to hit 4K in three months without any special purchases that way. Add in any large purchase and it’s really easy.
I use my debit card for everything. I know I’m missing out on a ton of points, but my heart can’t take the shock of seeing the bill at the end of the month.
That’s interesting because I can remember that exact feeling…especially when I had CC debt that I wasn’t paying off each month, which kills you with high interest payments.
Only once when I was CC debt free is when I even began looking into points plans. It took some getting used to (the idea of charging a lot) at the beginning because I was really weary of falling back in debt. It took more than a few months of charging regularly and paying off the bill in full before I became comfortable with it. In fact, sometimes I have flashbacks LOL.
That said, now I’m so used to it that it kinda helps me to quickly keep tabs on spending within my budget. I’ll only use one or two cards at the most and spit them up…one for groceries and gas & one for all other expenses. Now, I can more easily see if I’m going over or under budget in a month just by looking at the totals on the two cards. If I’m over, then I’ll review one.
Outside of my mortgage, I’m completely debt free. No CC debt, no car payments, etc. I actually started using my SW card a little more each month to try to ease my way into it. I still get a little angina when I see the bill. LOL
You shouldn’t use a debit card, if it’s ever compromised it’s a direct line to your money. And you have to make a police report. With credit cards the credit card company is on the hook. Plus if you do like everyone on here does and payoff every month, it does wonders for your credit score. I’ve been doing this for a while and have a perfect score.
Fortunately I have plenty of points. I use the Best Buy credit card (Citi) for my Coog season tickets and other large purchases. They almost always have a bonus if you spend over $2000 in a 60 day period. Can usually pick up BB dollars worth anywhere from 80-120 bucks. Great for building my vinyl collection or grabbing accessories I hate to pay for. Ink, paper, etc.
